Warranty - Mechanical Breakdown Insurance

You will receive a full Policy Document setting out in detail, the terms and conditions of insurance. The following provides key detail from the Policy Document.
Return to Warranties section

Cover	The reasonable costs of parts and labour to repair the actual failure of mechanical or electrical components listed below, due to a sudden and forseen happening during normal use.   See Schedule of Components below
Additional benefits	a)   accommodation costs up to $100 per night to a maximum of 3 nights provided you are unable to return to your normal place of residence and the insurer accepts a labour time in excess of six hours continuous labour to repair your vehicle. OR b)   car hire costs up to $100 per night to a maximum of 3 days provided you are more than 100 kilometres from your normal place of residence and the insurer accepts a labour time in excess of six hours continuous labour to repair your vehicle.   Note: Benefits in a) and b) are included within the Individual Claims Limits detailed above.
Roadside Rescue	Up to 3 FREE callouts, available 24 hours a day, 7 days a week, for – ·         Flat tyre ·         Flat battery ·         Run out of fuel ·         Locked out ·         Breakdown (up to $100 per tow – included within the Individual                        Claims Limits) Conditions of Roadside Rescue benefits Roadside Rescue will not provide: a) Assistance where your vehicle -     i)  has been left unattended     ii) requires specialised salvage equipment or is not within easy         access of a public road which is negotiable by a two wheel drive         vehicle or cannot be accessed due to extreme conditions such as         snow, ice, flooding, road slips or the like     iii) was being used for racing, speed testing, reliability trials,          competitions or offorad activity     iv) was being used for hire or reward   b) Assistance where you require towing services -     i)  as a result of accident or collision     ii) as a result of misuse of the vehicle     iii) for towed vehicles such as boats, trailers, caravans     iv) for vehicles exceeding 3500 kilogrames gross vehicles weight
Excess	$250 per claim (or as specified on the Warranty Registration Form) (why is there an “excess”? An “excess” is an amount you pay for each unrelated claim. It is common insurance practice to include an “excess” to keep premium levels down, and to act as a dis-incentive to false claims, which would drive up prices for everyone)
Limits of liability	Vehicle mileage Individual claim limit Period of insurance limit Up to 125,000 Kms $3,000 $6,000 or Purchase Price of the vehicle – whichever is the lesser amount 125,001 – 200,000 Kms $1,750 Over 200,000 Kms $1,000
Exclusions	The insurer is not liable for –   1)    Faults occurring on the vehicle during the manufacturers warranty          period.   2)    Costs relating to loss of use of the vehicle.   3)    Accidental damage, theft, misuse, failure to carry out service  requirements, faulty repair, and any consequential damage.   4)    Any defect which was in existence prior to the commencement of  the Policy as is any resultant damage caused by an existing defect.   5)    Rectifying any failure of or defect in design or specification of a  component.   6)    Service items and maintenance, including but not limited to filters,   antifreeze, oil, fuel, tune ups, grease, spark plugs, glass, lights,  drive belts and hoses, wheel balances or alignment, and any  consequential damage.   7)     Body panels, paintwork, trim, upholstery, seat belts, noises, tyres,   brightwork and fuel tanks.   8)     Toll calls, facsimile charges and freight.   9)     Audio equipment, aerials, exhaust systems, batteries, clutch and    brake friction materials.   10)    Diesel, turbo and exotic vehicles unless indicated on                  the Registration Form and the appropriate premium or loading has   been paid.   11)   Any claim which is fraudulent in any respect.
Excluded Vehicles	1)   Vehicles which have been or are used in racing competitions,           trial or rallies.   2)   Vehicles modified from manufacturers specifications after point         of sale.   3)   Couriers, buses, rentals, taxis and any fare paying customer         Vehicles.   4)    All USA imported Vehicles unless first registered in New Zealand.   5)    All high performance Vehicles or sports cars.   5)    Aston Martin, Bentley, Ferrari, Jensen, Lamborghini, Lotus,        Maserati, Mazda Rotary, Porsche, Rolls Royce, TVR Morgan. Exotic Vehicles The following vehicles qualify provided the appropriate loading has been paid: Alfa Romeo, Audi, BMW, Citroen, Daimler, Fiat, Jaguar, Landrover, Lexus, Mercedes Benz, Mitsubishi GTO, Mitsubishi Lancer Evolution, Peugeot, Range Rover, Renault, Rover, Saab, Subaru 4WD Turbo, all Twin Turbos, Volkswagon, Volvo, Chrysler Jeep.
Important duties	1) The policy must remain in the vehicle at all times.   2) The vehicle must be serviced in accordance with stated minimum      requirements, every 15,000 kms for petrol and 7,500      kms for diesel, and all service and maintenance records must be      kept for forwarding to the insurer in the event of a claim.   3) Reasonable care must be taken at all times to avoid loss covered by     the policy.
Component Cover   Any parts not listed are specifically excluded from the policy cover.	Air conditioning Cooling fan/fan motor Compressor Condenser Evaporator Gas as part of repair only   Automatic/Manual transmissions & overdrive/transfer box Casings and all internal components   Braking system ABS  - Compressor and Modulator ABS wheel sensors Calipers Master cylinder Servo Wheel cylinders Clutch (Burnt or worn clutch linings are excluded) Clutch cable Clutch fork Centre plate Pressure plate Release bearing Master cylinder Slave cylinder Spigot Cooling system Cooling fan thermostat Switch Engine cooling fan motor Heater matrix Radiator/Oil cooler Thermostat & housing Viscous fan Water pump Differential Casings and all internal components Electrics Alternator Coil/Distributor Condenser Ecu-ignition computer Electronic ignition - module Heater fan motor Idle sensors Indicator unit (relay only) Starter motor Transmission computer Washer motors Windscreen wiper motors	Engine Ancillary shaft Automatic drive plate Balance shafts Camshaft Cambelt / Tensioner Camshaft followers Connecting rods & pins Cylinder block Cylinder head Cylinder head gasket Cylinder liners Crankshaft Crankshaft pulley Distributor drive gear Distributor drive shaft Flywheel & ring gear Hydraulic tappets Manifods Manifold studs Oil pressure relief valve Oil pump Pistons & rings Pushrods & tappets Rocker shafts Shell bearings & internal bushes Timing chain tensioner Timing gears & chain Valves & guides (excluding burnt valves) Valve seat inserts Valve springs Front suspension (excluding rubber mountings & bushes) Coil springs Leaf springs Anti roll bar Anti tramp bar Stub axle Upper & lower wishbones Upper & lower ball joints Wheel bearings Front wheel assembly Constant velocity joints (excluding boots) Hubs Final drive unit Free wheeling hub Shaft bearings & bushes Transfer gears Transfer casing Safety airbags Air bag module Centre console sensors Footwell sensors	Fuel system (excluding contamination to any parts listed) Air Flow meter Carburettor Fuel gauge/Sender unit Fuel pump Fuel flow sensor Fuel governor Fuel injection pump Glow plugs & timer Injectors Lift pumps Warmup regulator Prop shaft (excluding rubber mountings) CV joints (excluding boots) Bearings Couplings Universal joints Rear suspension (excluding rubber mountings & bushes) Anti roll bar Constant velocity joints (excluding boots) Coil springs Hub assembly Leaf springs Stub axle Trailing arms Wheel bearings Steering gear (excluding rubber mountings & bushes) Drop arm Power steering rack & pinion Reservoir & pressure pipes Speed sensor Steering box Idler box Power steering pump Intermediate shaft Steering column universal joints Turbo unit (if specified on policy Registration Form) Bearings Housing (excxluding external damage) Rotor Shaft Turbine Wastegate Viscous couplings Internal components
Claims procedure Dismantling may be necessary to determine if there is a valid claim. You will be reimbursed provided a claim is accepted. Only you can authorise dismantling.	The insurer accepts no liability for repairs carried out without their prior approval.   1) Contact the Insurer   2) If the vehicle can be driven safely without causing further damage     take it to the nearest MTA garage or Approved Repairer otherwise     have it towed to them. 3) Present your policy and Service Record to the repairer and have     them contact the Insurer 4) Providing the servicing has been maintained by you, the loss is not      a policy exclusion, and you have complied with the terms and     conditions of the Policy, the claim will be accepted and an     authorisation number will be provided to the Approved Repairer for     agreed cost of repair only 5) All repair invoices must be forwarded to the Insurer. The invoices     must detail repairs, labour, parts and outwork (separate invoices     required) and must quote authorisation numbers and Policy number     on all invoices